Free · Confidential · No Obligation
Behind on Your Mortgage?
You Have Options.
Losing your home to the bank is almost never the only path. Even with a Notice of Default or a sale date already on the books, there are real moves you can make — most often a short sale that protects your credit and lets you walk away clean. A Henry David Catalan agent will sit with you, look at the numbers, and lay out your options honestly — and if keeping the home is your best path, we'll point you to the free HUD-approved counselors who specialize in that. No pressure. No fee. No catch.
What we will walk through with you
Four Ways to Avoid Losing Your Home
Every situation is different. The right move depends on your equity, your income, where you are in the timeline, and what you actually want. For most homeowners who are underwater or out of time, a short sale is the cleanest way out — and it is where we focus — but here is the full menu.
Short Sale
Sell the home for less than the mortgage balance. The lender approves the discount; the deficiency is typically forgiven. It protects your credit far better than a foreclosure — and for most homeowners who are underwater, it is the cleanest way out. This is where we focus.
Cash Sale (Off-Market)
If you have equity, we can make a direct cash offer or bring in a vetted cash buyer. Close in 14–21 days, walk with the equity, avoid foreclosure on your record.
Traditional Listing
If you have equity and time, listing on the open market usually nets the most money. We move fast and price aggressively when the clock is ticking.
Deed in Lieu
Voluntarily hand the deed to the lender in exchange for canceling the debt. Less damaging than a full foreclosure on your record.
California foreclosure timeline
Where Are You Right Now?
The earlier you call, the more options stay on the table. Even at the trustee-sale stage, there are still moves — they are just narrower.
- 1
Day 1
You miss a payment. Late fees start.
- 2
Day 30–90
Lender sends demand letters. Reinstatement is still cheap here.
- 3
Day ~90
Notice of Default (NOD) recorded. You have 90 days to cure.
- 4
Day ~180
Notice of Trustee Sale (NOS) posted. Auction set ~21 days out.
- 5
Auction Day
Home sold on the courthouse steps. You can be evicted shortly after.
Request a free consultation
Tell us where you are.
An agent will call as soon as possible — usually within one business day. Everything you share stays between you and our team. You are not committing to anything by filling this out.
A note on foreclosure rescue scams
California has strict rules on who can help homeowners in default — for good reason. We will never ask you to sign over your deed, pay upfront for "rescue services," or skip talking to your lender. If anything we suggest feels off, ask us why. Get a second opinion. Your home is worth that caution.